AINumbers.co Automation Payback API
The automation-payback API from AINumbers.co — 1 operation(s) for automation-payback.
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OpenAPI Specification
openapi: 3.2.0
info:
title: AINumbers.co Fintech Intelligence Suite Automation Payback…
version: 1.0.0
description: '**1255 fintech intelligence tools** covering ISO 20022, A2A payments, CFPB §1033, EU AI Act, DORA, MiCA, AML/KYC, BaaS, DLT/tokenization, ESG/climate finance, agentic payments (AP2, ACP, x402, Visa TAP, Mastercard Agent Pay), PQC migration, sanctions screening, and OpenChainGraph v0.4 computation chains.
## Transport
> **The live transport is MCP JSON-RPC 2.0 at `https://mcp.ainumbers.co/mcp` — not REST.**
>
> This OpenAPI file is a **descriptive data-room artifact** — a machine-readable index of all tools and their input/output schemas. The REST paths (`POST /v1/tools/{name}`) described here are a projection; they become functional only if the optional REST shim (Area 2 Path B) is deployed.
>
> To call tools today, connect via the official MCP client SDKs. TypeScript: `@modelcontextprotocol/sdk`. Python: `mcp`.
## Architecture
All tools run **entirely client-side** (browser JavaScript). Zero PII. Zero server calls after page load. Deterministic, reproducible outputs. Licensed CC BY 4.0.
OpenChainGraph v0.4 compute-binding nodes additionally run **server-side on the MCP Worker** and emit verifiable artifacts with `execution_hash` (WebCrypto SHA-256 over RFC 8785 canonical JSON).'
contact:
name: Post Oak Labs
url: https://postoaklabs.com
email: tim@postoaklabs.com
license:
name: CC BY 4.0
url: https://creativecommons.org/licenses/by/4.0/
servers:
- url: https://ainumbers.co
description: Static browser-based tool host (DreamHost). Tools run client-side — no REST gateway is active on this origin. See x-mcp for the live MCP endpoint.
tags:
- name: automation-payback
paths:
/v1/tools/compute_automation_payback:
post:
operationId: compute_automation_payback
summary: Automation Payback
description: 'Rank automation candidates by payback before you build: monthly reclaimable value (hours saved per week times the loaded hourly rate, plus the error cost the automation eliminates) against total cost of ownership (one-time build amortized over the horizon, the subscription, and a maintenance haircut on recurring cost). Outputs a ranked table with break-even months and BUILD/SKIP calls, portfolio totals for hours reclaimed and net dollars, and a verdict naming the best candidate and the fastest break-even. Port of ApexLogics Apex #180 / AL-194 (page https://apexlogics.org/tools/180-automation-payback/ fetched 2026-10-13, 37945 bytes, sha256 4931C9A3713FBA69D6E614CE3BDB0FC8B01A75E7376BA8BF9916553CB2C91D1B), tasking APEXPORT-180 (GRADES PASS-PENDING-XV 2026-10-18, Builder-verifies-at-land 19/19 vectors), landed by APEX-PORT-180-LAND-1 on 2026-10-20. Gross-dollar arithmetic over user estimates; no tool-price database and no tax or regulatory premise.
**Tool URL:** https://ainumbers.co/chaingraph/art-771-automation-payback.html
**AP2/Policy Mandate export:** yes'
tags:
- automation-payback
requestBody:
required: true
content:
application/json:
schema:
type: object
required:
- maintenance_haircut_pct
- horizon_months
- weeks_per_month
- candidates
properties:
as_of:
type: string
description: Explicit as-of date YYYY-MM-DD. The kernel reads no clock.
maintenance_haircut_pct:
type: number
default: 20
description: 'Policy parameter: uplift on the monthly subscription only. Floored at 0.'
horizon_months:
type: number
default: 24
description: Evaluation horizon in whole months, rounded half-up, floored at 1.
weeks_per_month:
type: number
default: 4.33
description: 'Policy parameter: hours-per-week to hours-per-month. Floored at 1.'
candidates:
type: array
description: One entry per candidate; an empty array returns the zero payload with the NO_CANDIDATES flag.
items:
type: object
properties:
name:
type: string
default: ''
hours_saved_per_week:
type: number
default: 0
loaded_hourly_rate_usd:
type: number
default: 0
error_cost_avoided_usd_month:
type: number
default: 0
build_cost_usd:
type: number
default: 0
subscription_usd_month:
type: number
default: 0
responses:
'200':
description: Successful tool execution result
content:
application/json:
schema:
type: object
properties:
as_of:
type:
- string
- 'null'
description: Echo of the as_of input; null when unparseable.
haircut_pct:
type: number
description: Haircut percent after the 0 floor.
horizon_months:
type: integer
description: Horizon after half-up rounding and the 1 floor.
weeks_per_month:
type: number
description: Weeks per month after the 1 floor, 2dp.
candidates:
type: array
description: Echo of the candidate inputs, 2dp.
ranked:
type: array
description: Candidates sorted by descending net_mo, ties preserving input order.
items:
type: object
properties:
name:
type: string
value_mo:
type: number
description: hours_saved_wk x weeks x loaded_rate + error_cost_mo.
recurring_with_haircut_mo:
type: number
description: subscription_mo x (1 + haircut_pct/100).
build_amortized_mo:
type: number
description: build_cost / horizon_months.
tco_mo:
type: number
net_mo:
type: number
description: value_mo - tco_mo.
breakeven_months:
type:
- number
- 'null'
description: build_cost / (value_mo - recurring_with_haircut_mo); null when that margin is not positive. 1dp.
breakeven_months_exact:
type:
- number
- 'null'
description: The same quotient at 6dp.
call:
type: string
enum:
- BUILD
- SKIP
description: BUILD when net_mo >= 0.
horizon_net:
type: number
description: value_mo x horizon - (build + recurring x horizon).
keepers:
type: array
items:
type: string
description: Ranked names with call BUILD.
droppers:
type: array
items:
type: string
description: Ranked names with call SKIP.
net_keep_mo:
type: number
description: Sum of net_mo over keepers.
net_all_mo:
type: number
description: Sum of net_mo over all ranked.
hours_reclaimed_wk:
type: number
description: Sum of hours over BUILD rows only, 1dp.
horizon_net_keep:
type: number
horizon_net_all:
type: number
best_candidate:
type:
- string
- 'null'
description: Highest-net ranked name.
fastest_breakeven_candidate:
type:
- string
- 'null'
description: Defined-break-even candidate with the smallest breakeven_months; net-sorted order breaks ties.
fastest_breakeven_months:
type:
- number
- 'null'
verdict:
type: string
enum:
- ALL_CLEAR
- MIXED_LIST
- NO_CANDIDATE_CLEARS
regulatory_basis:
type: string
note:
type: string
x-mcp-tool-name: compute_automation_payback
x-tool-url: https://ainumbers.co/chaingraph/art-771-automation-payback.html
x-source: manifest
x-ap2-export: true
x-mcp:
transport: MCP JSON-RPC 2.0 (streamable HTTP)
endpoint: https://mcp.ainumbers.co/mcp
protocol_version: '2025-11-25'
authentication: none
registry: co.ainumbers/tools (official MCP registry)
note: Connect any MCP-compatible client (Claude, ChatGPT, custom agent) directly to this endpoint. The REST paths in this file are descriptive only — they do not exist on the live server unless the REST shim is deployed.